I Can Buy It, But Can I Afford It

Can I Afford it

Author: Katrina

I can buy it, but can I afford it. Sounds pretty simple right?  It is!

This last year has been a very educational year for me in terms of finances and managing my money. Every day I am improving and I am further along than I ever thought I could be. I’m actually really enjoying learning everything there is to know about personal finance especially when it comes to my bad habits.

Since starting my landscaping business which is a passion of mine, earning extra money has been an eye opener for me. I have also been able to engage in a few money conversations and actually feel comfortable having an idea of what I am talking about. One of those conversations happened just this past weekend.

What Can You Afford?

I have always enjoyed talking with my one Uncle and this time we talked about money! I loved it! Even more I loved what he shared with me. He mentioned that when he talks finances with people he always brings up the phrase…. ‘I can buy it, but can I afford it’?  These were just the words I needed to hear. Simple and easy to say to myself, which I will…over and over again.

 I’ve got money in my pocket, sure I can afford it.

Let’s look at a scenario together shall we? So, I walk into a grocery store to buy a bag of milk and I have a $5.00 bill in my pocket and the cost of the milk is $3.99. On my way into the store I see a display of my favourite chocolate bars, I love Mars bars! They are on sale for $1.00. Wow, what a great price I think to myself. I have $5.00 in my pocket, I can buy one! We all know chocolate is a taxable purchase which will bring the total to $1.13.

So after I buy the chocolate bar I am left with $3.87. What did I actually come in here for I ask myself? Oh yes a bag of milk….oops the bag of milk costs $3.99 and now I only have $3.87. So moral of the story here is yes because I had $5.00 in my pocket I could buy the chocolate bar but could I afford it? No!

Now I am leaving the store without what I originally went in for, the milk. I cannot afford the milk now because of an impulse purchase that I really didn’t need. This is just an example to explain the idea behind what my Uncle had to say.

Adjusting The Budget

An extreme example of this might be, say you have $30,000 in your bank account, does that mean you can afford to go down to the dealership and pay cash for a new car? What in your budget have you sacrificed to buy that car? How much are you going to have to adjust your budget for buying something that you really couldn’t afford?

Going in and out of multiple stores for my job challenges my ability to say no to impulse purchases. I usually take advantage of this opportunity to do my grocery shopping kid-free. Those with kids will agree that grocery shopping can easily get more expensive when bringing the kids in the store.

But….being I am in the stores so often it can be easy to walk past a really great sale and convince myself that I need that product when really I could have done without. If you pick up an item and you look at it and tell yourself, ‘I can’t buy it’, likely you shouldn’t be. Listen to yourself more often and you might just save a bundle.

Having the money in my wallet or my bank account allowed me to be able to buy it but it wasn’t in my grocery budget. I do now. Now it has to come out of somewhere else in my budget, so really I couldn’t afford to buy it. This phrase will continually pop into my head every time I am in stores now.

I am preparing to join the Grocery Game Challenge on June 1st , I promise I’m in! Saying this over and over to myself is going to help me stick to my weekly/monthly grocery budget. It is now. I am also starting to enforce ‘no-shopping days’ when I go to work to help me from spending money I don’t need to spend.

Multi-Buy Purchase

After working outside all day yesterday in the garden I had a handful of stuff going into the house. I set my sunglasses on the step in the garage so I could open the door.

I forgot about them until this morning when I stepped into the garage to throw out some garbage and stepped on them, breaking them to pieces instantly. Smart that was, now it’s going to cost me money to replace them.

I do not leave my house without sunglasses, even on a dull day. I find myself wearing them as I seem to get more headaches if I don’t have them on. After I finished work today I stopped in at Ardene’s to buy a new pair of sunglasses.

I usually buy my sunglasses there because they always have a deal, usually either 2 or 3 pairs for $15. Today’s deal was 2/$15. I picked out one pair then continued to look for another.

Ask Yourself This…….

Then I stopped and thought to myself….I was not planning on having to buy one pair of sunglasses, let alone two. If bought individually each pair cost $8.50. In the past I wouldn’t have even thought twice and grabbed two pairs, but in this case being an unexpected purchase saving myself $2.00 by buying two pairs wasn’t worth spending another $6.50.

I reminded myself that yes I could buy two pairs but really I couldn’t afford two. Buying one pair was already something I would have to take money from somewhere else in my budget. I could justify one pair as I need them, but not a second pair.

Every time that I see a multi-buy discount now I will stop and think it out again. Do I really need to buy the second one and is the deal really something that I can afford? If you have to ask, you can’t afford it.

What I can afford is patience….

I do occasionally shop for clothes and fun things for myself and the kids, although the majority of my impulse spending is on groceries. I am not the person who has to have every new gadget on the market.

I’m also not someone who will spend $100 on a pair of jeans. I also can’t afford to. When I do buy something for myself I don’t like to feel uneasy about how much I’ve spent. I’ve learned to have a good amount of patience for the things I need to purchase but haven’t saved the money up for yet.

I Love My Job

Working in a retail environment for a few years, I have learned lots about how companies strive to achieve top sales. I work on behalf of multiple companies as an in-store marketing representative. Part of my job includes working with the store to maximize sales and secure optimal placement of their products and advertising materials and displays in-store.

My job is to market products to maximize sales and I understand the reasoning behind why manufacturers want their product seen. I also know that as a consumer I have the right to make informed decisions whether the product is in my face or hiding on a shelf. Alternatively I might decide to buy something the day the product is released, or wait a few weeks/months until the price drops significantly.

It’s a pretty simple concept even though many find difficulty with it like I have in the past. Having it said to me and being a catchy, simple phrase really stuck in my head, and it just makes sense to me. I’m working so hard sticking to my budget so why do I want to throw my budget out the window just to buy something I really can’t afford?

How do you avoid buying things you can’t afford?

Post Contribution By: 

Katrina is regular contributor for Canadian Budget Binder and is as passionate about personal finance as she is gardening. Katrina is a horticulture graduate with over 10 years experience with landscaping and greenhouse production.

Her goal is to share her knowledge and experiences blogging about gardening and her continued passion for personal finance in hopes of motivating others. While being a single mom of two and an in-store marketing representative  for major retail shops she also runs her own Landscaping Services in Southwestern Ontario.

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Shopping Tips We Use To Save Money

Girl shopping a big sale

Shop and Save The Smart Way

Advertisers are brilliantly skilled when it comes to making us believe we are getting more for our money but we have the final say in what we buy. Strategically planning your shopping means you invest some time in saving money in your budget.

Shopping can and does cause people to spend more than they earn which leads them to run out of money before the end of the month.  Don’t let that happen to you. Shop smart and plan your shopping and you will see that  the time you invest in your shopping will pay you back over the long-term.

Shopping tips we use to save money

  • Shop for Coupons:  We look for online coupons before we shop – Nearly every major company in Canada has a website and includes coupon codes, promos and printable coupons. Keep an eye out for coupon codes that also promote free shipping as that sometimes can add up when you check out. We also use coupons that the manufacturer has put out for consumers.
  • Shop In Bulk:If there is a product that we use often and the price is right we buy it in bulk. For example: We like to use dry beans in our diet so instead of buying small bags we buy large bags that cost a fraction of the cost if you were to buy many of the smaller size. Be careful though, buying big isn’t always better as working out the “unit price” will show you. The “unit price” is the cost per 100g or cost per 100ml and most of the time you’ll need a calculator to work it out.
  • Shop the Big Sales: Typically we meal plan around what is on sale for the week in the weekly flyers or in-store. This has helped us cut back from buying more than we need. 
  • Shop Our Budget: What can I say, a budget helps keep us grounded when we are shopping and we save money. There is no more overspending so we have bills piling up that we can’t pay because the money is allocated to certain categories. No more regret because the money is waiting to be spent, although we must spend it wisely.
  • Shop early morning or late evening: We have shopped at all times of the day but the quietest times seem to be early morning or late evenings. When the store is too busy and chaotic people tend to shop fast, forget about the budget and spend more money.
  • Shop Moving, Estate and Garage Sales: Some of our best deals have come from garage sales, moving and estate sales. You never know what you will find. We get up early on the weekend in the summer and tour the city with our planned route and hit all the garage sales looking for a bargain. Why pay retail if you can find it new or hardly used for a fraction of the cost. 
  • Shop Around, know your prices: Don’t just settle for one store when you shop or you are bound to spend more money than you need to. No matter if it is groceries, electronics, appliances or any other items always shop around. You never know when your favourite store might beat a competitor’s price. Keep in mind most grocery stores will allow you to price match so hang out at those shops and save yourself the time, hassle and gas (petrol) from driving shop to shop. 
  • Shop On-line Classifieds: No need to run out to buy something brand new if you can find it online for sale at a fraction of the cost. Many people get gifts they don’t use and want to get rid of them, and fast. There are also shopoholics that end up with so much stuff that they turn to online sites like kijiji, Craigslist and Ebay just to try and make some of the money back. 
  • Shop the Library: We don’t buy books or rent movies we simply head to the local library. There are so many free books to choose from so why pay for something that will end up collecting dust on a bookshelf. If you do like to purchase books take advantage of any rewards programs your local book store may offer. You can likely get discounts and potentially free books if you redeem points or rewards.
  • Shop Second-hand or Thrift Stores: Although prices at thrift stores aren’t as cheap as they once were you can still find many bargains.  Some months these shops have 50% off days and this is one of the best times to have a look around to score some great savings.
  • Shop Freecycle: There’s always someone giving something away free on freecycle so ask if you are looking for something or check in with your local freecycle on-line to see what your community members are offering free. 
  • Shop Sale Cycles and time your purchases: Typically stores know what their loss leaders are in terms of products and which products drives the masses into the store right where they want you. If you watch the flyers you can start to figure out how often cheese or milk might go on offer. I buy cream and I know at one store in particular it goes on sale every 2 weeks, so I make sure I load up for a couple of weeks and wait for the next sale. You might even want to wait to buy certain fruits and vegetables until they are in season when they will be at their tastiest and least expensive.
  • Shop end of Season Sales, Discount Shops, Scratch and Dent, Bankruptcy Blow-Outs: It happens, businesses close up shop and offer huge discounts on products just so they can liquidate their inventory. This is where you might want to jump in and grab a bargain. You might also have a local shop that sells scratch and dent products for a reduced price. Really, who cares if a $3000 washer for half price has a scratch on the back, I don’t.
  • Shop Substitute Items: Substitute higher priced items for comparable priced Items that will perform the same, for example substituting higher cost honey for water and apple juice in a recipe. Substitute no-name ketchup for Heinz ketchup, will you really notice the difference? Better yet, learn to make food from scratch or homemade in your kitchen instead of buying packaged foods.
  • Shop At Your Neighbours: If you are good friends with your neighbour and don’t mind lending each other items that you don’t really need to buy as you may only use it once then it’s a win-win situation. I’m not saying go door to door asking to borrow an egg but if you are pals with a few neighbours and you have a mutual agreement where you help each other out, then why not. My neighbour doesn’t have space to house an extension ladder so any time he needs mine he’s welcome to it. I don’t own a power washer but my mate next door is more than happy to let me use his for an hour once a year to power clean the front porch.

Before you grab your purse or wallet to head out the door shopping try and make an effort to think about where you are spending your hard-earned money. These shopping tips we use to save money have helped us save enough over the years to assist in saving enough to pay off our mortgage, pay cash for one of our vehicles and invest money so we can potentially retire early. If we can do it, so can you; you just have to believe.

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Make The Most Out Of Black Friday Deals Without Crossing the Border

Black Friday Canada

With at least 18% of Canadians expected to cross the border to enjoy deals on Black Friday in the U.S., some might be wondering if it’s even possible to save money from within Canada?

I’ve been blogging about shopping deals and frugal living in Canada for a few years now, and I wanted to share some of my best tips to get the most out of your Black Friday shopping in Canada. That’s right, there are some great discounts to enjoy on our side of the border too!

Black Friday Deals in Canada

Since the Canadian dollar is now on par with the U.S., many Canadians have picked up the habit of crossing the border to shop the Black Friday sales. Now, Canadian stores aren’t blind, they have taken note, so that more and more Canadian retail stores are also offering comparable deals on Black Friday to keep paying customers on Canadian soil.

Shopping the Black Friday deals in Canada avoids the long waiting lines at customs and the crazy hordes in shopping centres while saving money on gas too. Some offers might not be as good as what’s on offer in the U.S. (it’s getting closer though). But you also need to take into consideration the amount of time you’ll save.

Spot the Deals Before Shopping

It is really important that before you go shopping on the high street, have a look at what the sales are going to be beforehand. To do that, there are many helpful tools such as a saving community blog, forums and of course flyers from the most popular stores.

This will allow you to spot which stores will run Black Friday deals in Canada and what kind of discounts you can expect and on what type of products (for example, expect electronic accessories to be heavily discounted). And with the number of stores participating increasing every year, you shouldn’t have any trouble finding offers for most of your favourite stores.

Make a List

Making a list before shopping for any kind of occasion should always be the first step to help us spend more wisely. It allows us to plan what we really need ahead of time, and if we manage it properly, it can also prevent us from buying items that are not on the list. Take a few minutes to do a list of what you really need to buy and put them in order of priority, starting with what’s most important.

Compare Prices

Merchants normally advertise most of the upcoming deals in their flyers, newsletters and/or on their website, so customers can easily spot the offers they are interested in. This price comparison allows you to compare the current price of the items with the upcoming one and analyze how much of a good deal it is. But you probably already know what the average price for it is and if what on offer is a tremendous discount or not.

Or go one step further, simply find the best price for the product(s) you are interested in, then find a coupon (if applicable) to get further discounts.

Read the Store Price-Match and Returns Policy

Some stores change their returns policy during the Black Friday sale, so make sure to be aware of the appropriate policy if you need to return the product. You might also want to have a look at their price-match policy—in case you find it cheaper later.

Print Coupons

Using a coupon (printable or on-line code) on top of a Black Friday deal is the best you can expect in terms of saving money. Make sure to read all the fine print on the coupon and all the terms and conditions of the store’s Black Friday sale to see if you can use it.

If you decide to shop on-line as the following section recommends, look for coupon codes to unlock better deals on select products. Canadian coupon sites, such as vouchercodes.ca, normally list all the latest codes and promotions available for top merchants, especially for events as big as Black Friday and Cyber Monday.

Shop On-line

Since most U.S. stores are now on-line and Canadian customers can shop them from within Canada, shopping on the web is a great option to enjoy the U.S. Black Friday sales from your own home. Expect to pay for handling and shipping fees, but if you saved on gas and you didn’t have to fight to grab an item(s), you might be more comfortable with this option.

It’s not only convenient, but it could also be cheaper in some cases, owing to lower overheads for stores, which in turn can lead to lower prices for the consumer.

Following Black Friday, Cyber Monday is another great event where products are highly discounted and deals are mostly available on-line  Customers can expect to find the same kind of promotions as on Friday, but all on-line a must see for avid shoppers.

Shop Early

It doesn’t matter if you’re shopping on-line  in store, in the U.S. or in Canada, getting to the store as early as you can, will maximize the chances of getting the item you need, as most of the products are only available in limited quantities. For the on-line part, make sure you find out at what time the sale is going to start to be among the first cyber-shoppers. Some stores start it on Sunday night so be aware.

Voucher Codes Canada

Guest Post By: Erin is a Canadian savvy shopper and blogger at vouchercodes.ca, an on-line savings community. She is always looking for the best deals available in Canada and for the latest tips on how to be more frugal.

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Scanning Code of Practice (SCOP) In Canada…Did You Know?

 

 

Keep An Eye On Scanned Prices 

Scanning Code of Practice, if it sounds like legal jargon to you don’t worry that’s far from the truth. What is your reaction when something rings in more expensive than advertised on the shelf at check out?

My reaction is to jump up and down in excitement!

Huh?!?!

Yes, you heard me. I look forward to being overcharged on a product. Now I am really confusing you aren’t I. Now that I have your full attention, I can explain myself.

Scanning Practice

What is the Scanning Code of Practice?

A little secret that a lot of shoppers do not know about is something called “SCOP”. The Scanning Code of Practice (SCOP) is a promise from the retailer to their customers that there will be accurate scanning at the register on all Universal Product Codes (UPCs).

SCOP is a scanning code that almost every major retailer in Canada abides by. If you are unsure you can ask or keep your eyes open for the scanning code of practice photo ( you will see it in this blog post) of SCOP on the entry doors or at the cash register where you scan your debit and credit card. It’s typically right in front of our faces but we miss it.  It essentially means “the price we have listed on our shelves will be the price that rings up at the register”.

If the product scans in at a price HIGHER than the price listed on the shelf, the customer is entitled to receive the item free, up to a $10 maximum (customer will receive $10 off when the item costs $10 or more).

The code does not include pharmacy related products or price-ticketed items (ex. markdowns, 50% off tickets or red ticket items for quick sales).

The Scanning Code of Practice is endorsed by the Competition Bureau of Canada and was created from the collaborative efforts of the Retail Council of Canada, the Canadian Association of Chain Drug Stores, the Canadian Federation of Independent Grocers and the Canadian Council of Grocery Distributors.

Questions and Answers about SCOP

Scanning Code Participants

What stores participate in SCOP?
Almost every major retailer in Canada participates in SCOP (Rexall and Zellers are not scanning code of practice participants, except in Quebec where it is law that all stores participate).

If the SCOP sign or logos do not appear on the store doors or register, and the store name appears on this list, they participate in SCOP.  

  • I have never had a cashier ever mention this to me before?
  • Do I need to remind them of SCOP?

In all my years of shopping, I have never been told about SCOP until I started to learn more about couponing and saving money.

From one situation to the next, you may not be told about SCOP for various reasons. For example, cashier forgot or cashier was never trained on SCOP.

Either situation, it appears as though the customer has to be more on the ball then the cashier. If you see something ring up incorrectly, bring it to the attention of the cashier.

If you were overcharged, such that the product rang in as more than what was advertised on the shelf, remind the cashier of SCOP. If they are not sure about SCOP, you may need to ask a store manager at customer service after you have checked out.

If the store is listed above and will not apply SCOP, call 1-866-499-4599 to list your complaint.

  • What if I had 2 of the same item and they both scan in wrong? Are they both FREE?

SCOP only applies to the first item. The other item would ring in with the adjusted lower price that was advertised on the shelf.

  • *GREAT TIP* What if I had 3 items all with unique UPCs ring in incorrectly?

Each item with a unique UPC would be FREE. For example, often shampoos, conditioners and hairspray have different UPC codes even though the store may be advertising a sale of $3 each.

If all three items ring in incorrectly, you would get the shampoo, conditioner and hairspray free if they have different UPC codes on the bottles.

  • What about items that ring in incorrectly that have price tags on them or ticketed for quick sale (ex. 50% off)? 

SCOP does not apply when items have price tickets on them. It only applies for displayed signs in stores.

  • What about if my store has not taken down a sign, and they say that sale was from yesterday and it is over? Does SCOP apply?

Yes, if the store has not removed their sign and is still advertising a lower price and your item rings in as higher, SCOP applies. This goes back to the original intention of SCOP – it is a promise from a retailer to their customer for accurate pricing and scanning.

  • What if I get out to my car and realize the price is wrong on my receipt? Can I go back in and ask for SCOP?

Yes, absolutely and you should ALWAYS check your bill before you leave the parking lot. Just go back in with the item(s) to customer service. Do not go back to the cashier as he/she has no ability to refund your money.

  • OK Coupon Christine, I understand all the rules, but I am still nervous about screaming out “SCOP!!!!” when I see I am entitled to it – can you help me?

Who doesn’t like FREE stuff? What if I told you that each year you could be getting upwards of $100 maybe more worth of free stuff by looking at your receipts and finding those errors, would you be more inclined to say SCOP?

You are not taking money from the cashiers pocket and they will not be in trouble if you bring to their attention a pricing discrepancy. So stand proud and save yourself some CASH!

One extra tip is that SCOP happens A LOT more often on Friday mornings.  Sales from the previous week are over and new sales are up. Some UPCs are not put into their computer programs correctly and often times you benefit from the switch to new sales.

My favourite experience of SCOP was when I was out buying 5 jugs of laundry detergent. The sale price listed was $3.99, but the detergent was ringing in at $5.99.

The cashier and I discussed the discrepancy and she asked a fellow employee to go back to check. It took just a few minutes, but while he was checking, I was scanning over the UPCs since I had 3 different scents of the detergent.  I was mentally high fiving as 3 of them had different UPCs.

I was about to get 3 FREE jugs of laundry detergent!  The employee came back, I was right and the cashier scanned them in at the sale price.

I let her put in a few, then said “hmm, I have this friend, Coupon Christine (wink) and I was reading on her website that because the price of the item was incorrectly scanned, I am entitled to that product for free.

I also read that with each unique UPC code, these 3 bottles are also free and I would just pay for the remaining 2 bottles at the correct price”. She looked at me and simply said .. “wow, I really need to meet your friend Coupon Christine (second wink)!

I never knew that and I have been working here for months”. After we spoke to the store manager, I walked out with 5 jugs of laundry detergent for under $9!

  • So does it PAY to watch the register prices as they go in or scan the receipt on your way out of the store?

ABSOLUTELY!  No one likes to be ripped off, it PAYS to watch – trust me, you will thank me in the long run after you get FREE stuff!

If you would like more information you can read more at the Competition Bureau of Canada.

Editor’s Response:

Mrs.CBB and I often get items for free or $10 off by scanning products on self-scanners, by watching the cashier as she is scanning a code and by reading our receipts. The scanning code of practice in Ontario has allowed us to get free products but it also helps the retailer to find blips in the scanning system them employ with their organization.

If you’re looking to save some cash in the budget and help the retailer be mindful of the prices. Fans are always asking me what is a code of practice and why is it needed? The Canadian Scanning Code of Practice is in place for both the customers and the retailers to ensure pricing is accurate. It seems many stores interpret the definition of SCOP differently but it’s in black and white and should be followed if the store follows SCOP.

Have you had a cashier apply the Scanning Code of Practice? What was your SCOP experience like? Is this the first time you have heard about the Scanning Code of Practice?

Contribution Post By:

Christine (aka Coupon Christine) is passionate about couponing and saving money. CouponChristine.com started with just a few hundred fans earlier this spring and she now has almost 4000 fans on her Facebook page.

She is also the brains behind Coupon Allstars Canada. Coupon Christine has bloggers that feature deals and coupon match-ups for their provinces like she does for her Ontario fans.

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Main Photo Credit: 123RF

Scanning Code Photo Credit Competition Bureau of Canada

Buying Clothes from Second Hand Shops..Is it worth it?

Do you shop at Thrift Stores? Many of these second-hand shops offer new or gently used clothing, accessories and household items for a fraction of the cost at a retail store. Who wouldn’t shop there first, right? Wrong!

Some people take a look around them when they attempt to walk in a second-hand shop to make sure no one they know is around.  Myself I waltz right in as I just love second-hand shops.

Tip: If you are worried what your neighbour or mate might say because they see you in the store ask yourself this “If they see you then you must see them” so what? Who cares?

The stigma put on second-hand shops that they are for the poor or for starving students is WRONG. These stores such as Value Village, The Salvation Army Thrift Store ( Sally Ann)  have grown in popularity in exponential rates over the past decade. Why?

The answer is easy many people now see the value in second-hand items. They also see the savings and understand  the cost to the environment and the re-use value.  Most clothing if not donated ends up in clear bags ending up in our landfills. We need to cut down on landfill waste and recycle.

Come Halloween or during 50% off sales these stores are bustling with people who line up hours in advance just to get their hands on some super sales!

If you want to find a book or a piece of furniture check these shops first or you can try your local Kijiji or Freecycle as you just might find what you are looking for.

I started shopping at second-hand stores a long time ago, actually me mum and dad were avid thrift shoppers and still are today. Although I only buy jackets, t-shirts and work clothes the pay off has been huge for me.

I go through t-shirts at work like nobody’s business and they are trash by the time I am through with them. Why on earth would I want to go and buy a new one?

I sometimes ask my freecycle mates if they have any t-shirts so I can simply mess them up at work. The people in the freecycle community are very welcoming with open arms.

Yesterday I picked up a couple deals while attending the Value Village 50% off sale which I was told happens every 3 months or so.  I love surfing, skating and snowboarding so naturally when I noticed a REEF T-shirt I grabbed it. The t-shirt looks like it was hardly ever worn and only cost me a mere $2.00 plus tax. Check it out below, what do you think? These t-shirts can range in price close to $50 Canadian unless you snag a good on-line deal.

I also picked up a couple of tank top t-shirts for work and the wife picked up a new blouse ( never worn) for $2.50. I’m sure the regular price was far more than that.  All these items fit nicely into our monthly clothing budget.

At the end of the day, thrift stores are great if you know what you are looking for. Even if you don’t know what you are looking for it’s worth popping in to see if you can snag a bargain and in some cases a rare antique worth a lot of money. Ever watch Storage Wars on A&E, some of the finds would blow you away!

You never know what people throw away, donate  or give you for free! It could be worth nothing to them but worth millions to you even if it is a t-shirt! So to answer my question, Is it worth it?

You bet it is! If you know your prices!

Cheers!

What have been your best second-hand purchases?

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